The spectre of negative equity first appeared on a significant scale during the housing market crash in 1990s when interest went up so high that no one could afford to pay or take out a mortgage. The problem is now back and is worse than ever.
Dealing with Negative Equity – What to do?
June 11th, 2012 HIP-Consultant.co.uk Posted in Financial Products, Mortgages, Property Market | 2 Comments »
Are Estate Agents Fees Excessive ?
June 7th, 2012 HIP-Consultant.co.uk Posted in Estate Agents, Property Market | 4 Comments »
I will always be in favour of a free market economy and therefore I would never advocate only one approach to business. Competition and alternative methods are a healthy way of ensuring optimum performance and client focus. However, I do feel that the estate agency profession is ripe for review, reassessment and even stricter regulation.
Searching for a Rental Property in London
May 30th, 2012 HIP-Consultant.co.uk Posted in Landlords, Property Market | 3 Comments »
The London rental market can be fast moving, a real blink and you’ll miss it market, and for those searching for a new home to rent in the capital preparation is crucial.I have only had to search for a rental property in London once, luckily I stayed in the property for three years once moved in, but I did not make the most of my options for searching and at that time was not well prepared!
Downsizers Driving Sales of Reasonably Priced Homes in London
May 29th, 2012 HIP-Consultant.co.uk Posted in Press Releases, Property Market | Comments Off on Downsizers Driving Sales of Reasonably Priced Homes in London
Families have the opportunity to purchase large family homes close to central London at reasonable prices due to an increasing number of downsizers putting their properties on the market. According to Rightmove, downsizers are the driving force in today’s market, with trading down now the single biggest reason given for selling
Winter Weather, Did Your Home Suffer Snow Damage
May 21st, 2012 HIP-Consultant.co.uk Posted in Home Improvements, Insurance | Comments Off on Winter Weather, Did Your Home Suffer Snow Damage
Snow is a particularly damaging form of winter weather, as it can cause untold damage to your home. Your home insurance policy should protect your buildings and contents against winter weather damage, so that you’re safe from the damage caused by snow.
Where are the Burglary Hotspots in the UK?
May 18th, 2012 HIP-Consultant.co.uk Posted in Insurance, Landlords | Comments Off on Where are the Burglary Hotspots in the UK?
Landlord insurance experts Just Landlords have recently released a new infographic which highlights the top 10 burglary hotspots in the UK and some interesting facts about burglaries.
It is clear from the infographic that the 2 places to avoid are London and Yorkshire which both have multiple locations that make it into the top 10, including Wood Green in London, Bramley in Leeds and Apperly Bridge in Bradford
Who Does What in the Green Deal?
May 17th, 2012 HIP-Consultant.co.uk Posted in Energy Saving, Green Deal | 1 Comment »
The Green Deal is the Government’s grand plan to get us all more energy efficient, thus reducing our fuel bills and more importantly, carbon emissions. It involves taking a loan to pay for energy efficiency measures such as insulation or a new boiler which is then attached to the energy bill and repaid along with it. At first glance you may think it should be a pretty straightforward process involving you and the company installing the insulation or whatever, but you’d be wrong.
Selling Your Home – Checklist for Property Sale
May 15th, 2012 HIP-Consultant.co.uk Posted in Property Market, Top Tips | Comments Off on Selling Your Home – Checklist for Property Sale
Just because you have instructed a conveyancer to act for you in a purchase doesn’t mean that you are able to abdicate responsibility altogether. Of course your conveyancer will carry out the legal work however there are still some things you need to be aware of and take responsibility for, after all it is your sale and it is in your interests that it goes smoothly.
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Selling Your Property – What Land Registry Documents Do I Need
May 1st, 2012 HIP-Consultant.co.uk Posted in Land Registry, Property Conveyancing, Property Market | Comments Off on Selling Your Property – What Land Registry Documents Do I Need
These days most properties are registered at Land Registry. In fact any property that has been sold or mortgaged since 1999 will have to be (unless a solicitor has made a mistake somewhere along the line). If you are selling a property that is registered at Land Registry then you don’t need to produce the title deeds, in fact these will not be sufficient. Instead you will need to produce Official Copies of various documents held by the Land Registry in respect of your property.
Leasehold Property Classes – Good Leasehold
April 4th, 2012 HIP-Consultant.co.uk Posted in Land Registry, Legal, Property Conveyancing | Comments Off on Leasehold Property Classes – Good Leasehold
When buying a property which is leasehold, it will be registered with one of two classes of title – absolute leasehold or good leasehold. Ideally you will want the property to have absolute title however in the event that it is good leasehold this needn’t be a deal breaker. You may be able to insure against the risks which it presents or you may be able to upgrade to absolute title.
Reduction in Lawyers Able to Do Conveyancing Effects Consumers
March 19th, 2012 HIP-Consultant.co.uk Posted in Legal, Property Conveyancing | Comments Off on Reduction in Lawyers Able to Do Conveyancing Effects Consumers
In a conveyancing transaction, a conveyancer will generally act for both the lender and the purchaser. This is permitted because the lender and buyer have a common interest, to proceed to completion as quickly as possible whilst ensuring the title to the property represents satisfactory security for the mortgage advance/purchase price.